Apple Pay

Why you'll love having an account with Apple Pay

It’s easy

Using Apple Pay is simple and works with the devices you use every day. It's available on Apple devices, including iPhone, Apple Watch and iPads with iOS 8 and above. Activate your card from the mobile banking app with iOS 10.3 and above.

You can simply and securely add an active card to your Apple Wallet via the CUA Mobile Banking app. (for devices with iOS 10.3 and above)

iPhone

Step

Log in to the CUA Mobile Banking app

Go to the menu and select “My Cards”

Add you card to Apple Wallet.

You’ll be taken to the Wallet app where you will enter your one-time verification code.

Apple Watch

Step

Open the Apple Wallet app on your iPhone

Tap "Wallet & Apple Pay" and select "Add a Credit or Debit Card."

Follow the prompts

How to pay in stores and online using Apple Pay

With your iPhone

To pay in stores, there’s no need to wake your iPhone or open an app. Just hold the iPhone near the reader with your finger on Touch ID or angle the camera to your face to use Face ID. You’ll see ‘Done’ on the display, along with a subtle vibration and beep, letting you know your payment information was sent.

With your Apple Watch:

Double-click the side button and hold the display of your Apple Watch up to the reader. A gentle tap and beep confirms that your payment information was sent.*

Paying in apps and on the web:

To pay in apps and on the web with iPhone and iPad, select Apple Pay as the payment method during checkout and place your finger on Touch ID or use Face ID. To pay on Mac in Safari, choose Apple Pay then complete the purchase with your iPhone or Apple Watch.*

Apple Pay works with devices with iOS 10.3 or above, including iPhone 6 and later; with Apple Watch; with iPad Pro, iPad Air 2, and iPad mini 3 and later; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105.

The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.

The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.

You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorise a payment.

Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.

How do I make payment within an app or on participating websites?
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Look for the Apple Pay icon during checkout and ensure Apple Pay is selected as the payment method.

Check your billing, shipping and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card

If you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won’t need to enter it again.

When you are ready, make your purchase. Place your finger on Touch ID, use Face ID or enter the device passcode on iPhone and iPad, or double-click the side button on the Apple Watch to authorise payment. After your payment information sends successfully, you’ll see Done and a checkmark on the screen

Can I use Apple Pay to make a payment on a website using my Mac?
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Yes, you can use Apple Pay to make payments on participating websites using a Mac on Safari. To use Apple Pay, the Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac. You then:

Select the Buy with Apple Pay or Apple Pay button

Check your billing, shipping and contact information are correct:
- The default card can be changed by clicking the button next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which is nearby and signed into the same iCloud account.
- If you need to, enter your billing, shipping and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.

3. When you are ready, make your purchase. Place your finger on Touch ID, use Face ID or enter the device passcode on your iPhone, or double-click the side button on the Apple Watch to authorise payment. After your payment information sends successfully, you’ll see Done and a checkmark on the screen.

Is there a transaction limit when using Apple Pay in store?
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Apple Pay transactions under $100 can be made by holding the device up to the contactless reader and authorising payment using Touch ID, Face ID, the device passcode or double-clicking the side button on Apple Watch.

For transaction over $100, you might be asked to enter your card PIN in to the retailer’s terminal.

How do I return an item purchased with Apple Pay in stores?
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You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while others may have to refund the plastic card.

If the retailer is able to refund the device used to make the original purchase, you:

Select the card they want to be refunded within the Wallet app

Hold the iPhone 6 (or later model) above or near the contactless reader and authorise the refund using Touch ID, Face ID or the device passcode; or

Hold the Apple Watch display up to the contactless reader and double-click the side button to authorise the refund.

You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

Other features which help to keep your payments secure and safe include:

iPhone and iPad

Payments can only be authorised by using Touch ID, Face ID (if it is enabled), or by entering the device passcode.

Apple Watch

Payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay, the device passcode has to be entered again.

Please note: you should never share your device passcode, or register more than one person’s fingerprint or face to Touch ID and Face ID, while your card is registered to Apple Pay.

You should contact us straight away on 133 282 so the lost or stolen card can be cancelled and no further purchases made. Your Apple Wallet card will then be disabled automatically and your new card will be issued into your Apple Wallet the next business day. Your physical card will still be sent to your address.

If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us to request that your card be disabled for use with Apple Pay.

You should contact us on to request that your card be disabled for use with Apple Pay. You should also go to iCloud.com and remove your card from your Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.

*Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see https://support.apple.com/km207105.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.